Updated September 30, 2026 · SumCue Editorial Team
Vivus vs Wannacash ES
Vivus
Higher score in this comparison
Wannacash ES
Where Vivus and Wannacash ES differ
| Compare | VivusReviewVisitVisit | Wannacash ESReviewVisitVisit |
|---|---|---|
| Loan amount | €50 to €10,000Higher | €50 to €900 |
| Term | 3 to 60 monthsHigher | 1 month |
| Arrangement fee | 0 EUR (credit line disbursement fee) | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | Within 5 minutes of approval; same day if the bank is in the instant payment system and the request is before 16:00 on a working day, otherwise next working day | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | Permanent residents of the Republic of Latvia aged 18-75 with a Latvian personal code, no overdue payments or debts, sufficient regular income, plus a valid mobile number, email and bank account. | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Personal, Payday, Car | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| Credit needed | Good | Poor |
| APR | 44.5% | Not confirmed |
| Representative example | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Vivus scores higher overall: 9.1 vs 8.4.
- Loan amount is higher at Vivus: €50 to €10,000 vs €50 to €900.
- Term is higher at Vivus: 3 to 60 months vs 1 month.
- Support channels: only Vivus offers Chat, Help centre.
- Features: only Vivus offers Credit line.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
Our verdict on each
Vivus
Vivus suits Latvian residents with a regular income who want a small loan paid out the same day and will clear the balance early. The headline rate is the weak point, with APR of 44.5% against Sofkredit's 10.74% to 18.06%, and the deal works because you borrow from the lender rather than a broker.
Wannacash ES
WannaCash is a Spanish broker for small, short-dated loans aimed at applicants with thin credit files, which suits a bill that lands before payday rather than a planned purchase. It charges applicants 0 EUR - WannaCash charges the applicant nothing, and balances sit inside €50 to €900 with the shortest term at 1.
Score breakdown
| Area | Vivus | Wannacash ES |
|---|---|---|
| Cost | 9.0APR is 44.5% against Sofkredit's 10.74% to 18.06% and Cashspace's PHP 12 to PHP 36. | Not confirmed |
| Offer | 8.9Higher | 8.4The offer pairs €50 to €900 with a 1 term and 0 EUR - WannaCash charges the applicant nothing charged to applicants. |
| Trust | 9.2Higher | 8.5 |
Pick Vivus if, pick Wannacash ES if
Pick Vivus if offer, trust, loan amount, and term matter most.
Pick Wannacash ES if loan types matter most.
Where each is licensed and available
| Country | Vivus | Wannacash ES |
|---|---|---|
| Latvia | Not confirmed |
Additional countries for Vivus: 1. Additional countries for Wannacash ES: 1.
Also worth a look
Sofkredit has term at 6 to 240 months, against 3 to 60 months for Vivus and 1 month for Wannacash ES.
Sofkredit reviewHow they place
| Ranking | Vivus | Wannacash ES |
|---|---|---|
| Loans | 29 of 2043 | 25 of 2043 |
| Personal loans | 23 of 1317 | 21 of 1317 |
| Payday and short-term loans | 10 of 233 | 8 of 233 |
Every fact side by side
| Fact | Vivus | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | SIA "Credit Solutions" (reg. 40103982111) | 7eBiz International SL |
| Headquarters | Latvia | Spain |
| Founded | 2008 | Not confirmed |
| Support channels | Chat, Phone, Email, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Vivus | Wannacash ES | Median |
|---|---|---|---|
| APR | 44.5%highest quarter | Not confirmed | 9.99% |
| Loan amount | €50 to €10,000below the median | €50 to €900lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
Vivus
Pros
- Funding time is within a few minutes of approval, and the same day when your bank sits in the instant payment system and the request comes before the cut-off on a working day.
- Free early repayment is listed, so clearing the balance before the end of the term adds no exit charge.
- The rate is fixed for the whole term, so nothing in the schedule shifts halfway through the agreement.
Cons
- APR of 44.5% is far above Sofkredit's 10.74% to 18.06% and Cashspace's PHP 12 to PHP 36, so this sits at the expensive end of the list.
- The credit check is hard against a credit needed of good, so a thin file is a real obstacle.
- Applicants must be living permanently in the Republic of Latvia, hold a personal code issued there and be clear of overdue payments, which puts anyone based outside the country out of scope.
Wannacash ES
Pros
- Applicants pay 0 EUR - WannaCash charges the applicant nothing, so getting a quote costs nothing at the starting gate.
- The credit check is none and the credit bar is poor, so a thin file is the target rather than a reason to be turned away.
- Money reaches the account in minutes after approval, usually the same day, and same day funding is listed for the offer.
Cons
- Balances stop at €50 to €900, well below €12,000 to €300,000, so a larger consolidation is out of reach here.
- The shortest term is 1, so a payday style balance leaves little room if an instalment is missed.
- Support runs on email and phone only, so there is no live chat or counter to sort a stalled application.
Who each suits
Vivus
Who it suits
- Latvian residents with steady regular income who need a small sum the same day for a repair or an unexpected bill.
- Borrowers who will clear the balance early and want no exit charge for doing it.
- People who want a short commitment and a rate that does not move during the term.
Who should look elsewhere
- Anyone shopping purely on price, since Sofkredit's APR of 10.74% to 18.06% is a fraction of 44.5%.
- Borrowers outside the Republic of Latvia, since applicants must be permanent residents holding a personal code issued there.
- Anyone chasing a large sum, since Creduma ES starts at from €12,000 while the ceiling here is €50 to €10,000.
Wannacash ES
Who it suits
- Residents of Spain with recurring income and a Spanish bank account, since eligibility asks for both and needs no payroll or guarantor.
- Borrowers with a thin credit file, since the credit bar is poor and the credit check is none.
- People covering a gap until payday, because money usually lands the same day the application goes in and €50 to €900 keeps the balance modest.
Who should look elsewhere
- Anyone after a large euro loan: Sofkredit offers €12,000 to €300,000 and Creduma ES starts at from €12,000, both well beyond €50 to €900.
- Borrowers outside Spain, who cannot meet the residency and Spanish bank account rules; Cashspace's PHP 500 to PHP 25,000 sits in another currency and market.
Current offers
Vivus
Current offer
Bonus
Cancelled fee for expedited disbursement: 0 EUR (fee for accelerated payout cancelled/waived)
Shown site-wide next to the client profile login; disbursement fee for the credit line is 0 EUR
Source, checked September 26, 2026
Wannacash ES
Current offer
Bonus
First quick loan free of interest and fees: 0% interest and no fees on the first loan
Offer run by the partner lenders selected by Wannacash; complete the application form, not obliged to accept
Source, checked September 26, 2026
Country by country
| Country | Vivus | Wannacash ES |
|---|---|---|
| Latvia | Yes | No |
| Spain | No | Yes |
Questions about each
Vivus
What rate will I pay on a Vivus loan?+
The headline APR is 44.5%, and the rate is fixed for the whole term, so the figure you are quoted does not move during the agreement. The representative example Vivus publishes shows a small euro loan over a few months where the interest charge adds a clear amount to the total repayable. Here the rate, not the fees, is what costs you most.
Does Vivus charge origination or arrangement fees?+
The disbursement fee on the credit line is 0 EUR (credit line disbursement fee), and the percentage charged for drawing it is 0%. Fees add little to what you repay, so a high headline rate next to a short fee list should be read as a rate story, not a cheap one. Check the interest figure first, then the fees.
Wannacash ES
What does it cost me to apply?+
WannaCash charges applicants 0 EUR - WannaCash charges the applicant nothing. The cost that matters is the interest the lending partner puts on the balance you draw, and it moves with the offer you are matched to. Because the brand works as a broker, the rate you sign is the partner's rate, so read the partner's terms before you accept a quote.
How fast does the money arrive?+
Money is in the account in minutes after approval, usually the same day as the application, and same day funding is listed for the offer. Speed is the strongest part of this package. It suits a cost that has already arrived rather than a planned purchase that could wait for a cheaper rate elsewhere.